Just click on any question below to see our answer. We hope these brief exchanges will provide you with inspiration and insight as you continue your credit repair journey.

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Credit Repair Mistakes Q & A

Open Accounts and Credit Repair

I was with a different credit repair company for six months and my scores have not moved. I do not have any open accounts, could that be the problem? Get Answer »

New Cards and Credit Repair

I got two new credit cards and my scores fell. I am making the payments on time. What is the problem? Get Answer »

Credit Repair and Report Accuracy

There are quite a few derogatory items that I do not recognize, but it is possible that they are correct. Should we challenge them in our credit repair program? Get Answer »

Closing Accounts

I cut up and cancelled my credit cards before starting credit repair, was that a mistake? Get Answer »

Do Not Ignore Collection Letters

I have a bunch of collection letters that I got a few months ago; can your credit repair service help me with these? Get Answer »

Credit Repair Persistence Pays!

Is there any point to continuing to dispute an issue with the credit bureaus once they verify it? There are errors on my report that were verified, should I give up? Get Answer »

Credit Repair and Store Card Failure

I have three store cards, and I have been making my payments on time but I am not seeing improvement in my credit scores, can you tell me why? Get Answer »

Late Payment Penalty

My credit repair has been doing well, but I made a late payment and my scores really fell, is there anything that I can do? Get Answer »

Big Credit Repair Mistakes

What is the single biggest credit mistake that I should avoid? Get Answer »

Credit Repair and Fear of Credit

I’m a little afraid of opening credit cards. Can credit repair work if I don’t open new credit cards? Get Answer »

Credit Repair Mistakes

The good news is that credit is very forgiving. Take the right steps with your credit repair effort and the blunders of the past can be overcome in a reasonable timeframe. Whatever errors you have made will quickly become history and your scores will head right back up.

Effective credit repair requires a bit of finesse. There was a time when it was enough if you made your payments on time. Those days are long over. The world of credit now revolves around the FICO credit scoring formula which takes so many variables into consideration that it is easy to take a wrong turn unless you have a road map.

The most thoughtful and intelligent people have come to our credit repair program perplexed by their inability to get their credit scores to improve. In many cases they have done everything right except one thing. That missing ingredient can be one of many critical, but often overlooked, factors, each of which is essential to win the credit game.

Credit repair success involves on-time payments, an ideal balance of account types, the avoidance of certain potentially damaging types of debt, and proper balance management. In addition, once the credit repair process is underway there are ways to manage the dispute process that can make the difference between success and failure.

The questions in this section reflect some of the more common credit repair errors people make, as well as some of the more subtle issues our clients have met and surmounted along the path to great credit. We hope you will benefit from this foray into the world of credit repair mistakes.